According to the United States Census Bureau, the city has a total area of 20.8 square miles (54 km2), of which 19.9 square miles (52 km2) is land and 0.9 square miles (2.3 km2) (4.19%) is water.

The city limits include seven lakes and two marinas.[6] The largest is Lake Thunderbird with over seven miles of shoreline.[7] The area has become popular with vacation home owners and with those who want to rent a property for a week or two.[8]

There were 2,182 households out of which 16.3% had children under the age of 18 living with them, 63.3% were married couples living together, 6.7% had a female householder with no husband present, and 27.7% were non-families. 24.8% of all households were made up of individuals and 16.0% had someone living alone who was 65 years of age or older. The average household size was 2.13 and the average family size was 2.50.

In the city, the population was spread out with 15.6% under the age of 18, 4.1% from 18 to 24, 15.9% from 25 to 44, 26.2% from 45 to 64, and 38.1% who were 65 years of age or older. The median age was 58 years. For every 100 females there were 90.9 males. For every 100 females age 18 and over, there were 88.7 males.

The median income for a household in the city was $27,997, and the median income for a family was $29,636. Males had a median income of $22,639 versus $18,571 for females. The per capita income for the city was $17,105. About 9.9% of families and 13.4% of the population were below the poverty line, including 29.2% of those under age 18 and 5.6% of those age 65 or over.